Group Personal Accident Insurance

Provides a death benefit and part of the sum insured for disability.

Customise your plans with riders and add-ons such as the health prime rider.

Get coverage for dependents in case of untimely demise.

At least 20-25 members in the group and at least 18 years of age.

Proof of identity, hospital bills, bank details, claim form, FIR (if required), etc.

Get seamless claim settlement and other benefits with Bajaj General Insurance.

Group personal accident from Bajaj General Insurance provides affordable premiums for corporations.

Delivers a fixed daily allowance to cover non-medical costs during accidental hospitalisation for thirty days.

Bajaj General’s group personal accident insurance provides coverage for transportation from the place of death to the insured’s home, cremation ground, or burial ground. This can be ₹5,000 or 2% of the sum insured.

With our comprehensive GPA policy, you get permanent total disability, permanent partial disability and temporary total disability benefits. With this, you can get 125% of your sum insured amount for permanent total disability.

Our plans are one of the most cost-effective in the market. If you are an employer, you don't have to worry about the high costs of buying a group personal accident cover for your employees.

We understand that every person has unique individual needs, and a group policy might not meet them all. That’s why we offer riders, such as hospital cash benefit, EMI payment cover, loan protector cover and more.

Our Children’s Education Benefit Cover provides a one-time payout of ₹5,000 per child, ensuring financial support for your children’s educational needs during unforeseen circumstances and helping secure their academic future.

Purchasing a Group Personal Accident Policy for your organisation is now quick and convenient. With the Bajaj General app, you can complete the process online easily without lengthy paperwork or waiting in queues.

Choosing the right policy starts with evaluating the nature of the work that you are in. Also consider average age, headcount and travel frequency of your workplace. This will dictate the rest of the policy.

Check for the type of coverage GPA policies provide. A standard policy must include a death benefit, permanent disability (total and partial), and temporary total disability. Check how much payout your employees will get.

When choosing your insurer, you have to verify how easily you can reach them. Check for their response rate and customer care services. Bajaj General Insurance boasts a 3-level customer care that is available for you 24/7.

Next, you must check how customisable your plan is. Add-ons help you tailor your policy according to your group’s needs. You can add a health prime rider (group) to provide an extra layer of medical protection.

Use an online premium calculator to compare different plans and check their premium. This will give you an idea of your expenses. These calculators allow you to add riders, so that you get a clear picture.

Claim Settlement Ratio is a very important metric that dictates whether the insurer settles claims on time. Before buying a policy from any insurer, you must always check this.

Knowing what your policy covers and what it excludes is crucial to avoid any claim-related issues afterwards. Therefore, always make sure to read the policy wording of your policy.

Once you have checked these metrics and chosen an insurer, such as Bajaj General Insurance, you can pay the premium online. Securely complete the payment via net banking/credit/debit, or UPI.

Once you pay your premium amount, you will instantly get it in your inbox. You can also download it in our app Bajaj General. Get renewal reminders, customer service and policy documents all in our app.

It refers to disability certificate from the civil surgeon of the government hospital, which states that the insured has suffered a permanent loss of eyes, hands, or feet.

This term refers to the disability certificate from a civil surgeon of a government hospital stating total and continuous loss of a body part with disability percentage.

It refers to the maximum amount that the insurer will pay for each claim per person and ultimately the group mentioned in the Schedule.

It refers to the disability certificate from a civil surgeon, which states that the insurer has suffered from disability of the eyes, feet or hands and for how long.

Nominee is the person whom the policyholder selects to receive the death benefit should they suffer from accidental death. Insurers discharge the amount to them.

Occupation refers to the work that you do in the organisation you are a part of and its responsibilities. You have to clearly declare it in the schedule.

AYUSH is the treatment and medical expenses that you incur on hospitalisation under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy.

Accidental death refers to death which was caused by an unintended situation. It does not include self-inflicted injuries or injuries during intoxication.

These refer to the injuries that the participant suffers while participating in high-risk activities such as hazardous sports or adventurous activities.